Can you sell online from Kenya and get paid?
Yes. From Kenya you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual or a company, and get paid to your own bank in Kenya in EUR or USD, twice a month. To sell without your own Stripe account, you use a merchant of record: it is the seller on each sale and handles VAT and sales tax abroad. Which ones work from Kenya.
Also work from Kenya: Paddle, Lemon Squeezy, Polar, Creem, Gumroad. Do not: Dodo Payments. See the table.
Money from abroad in Kenya
What sellers here ask about money from abroad.
Do I pay Kenyan tax on income from foreign clients?
Yes. A resident person must declare and pay tax on income derived from Kenya and, within the law, from outside Kenya. Resident individuals file an annual return by 30 June, taxed on a graduated scale. KRA
Can a freelancer use Turnover Tax?
Turnover Tax is 1.5% of gross sales for residents with turnover above KES 1 million and up to KES 25 million. It does not apply to management, professional or training fees, so many service freelancers fall under normal income tax. KRA
Can I hold a USD account in Kenya?
Yes. The Exchange Control Act was repealed, and Kenya residents may open foreign currency accounts and invoice in shillings or foreign currency. Banks keep documentation for transactions above the equivalent of USD 10,000. Central Bank of Kenya
General information, not tax or legal advice. Check with a local accountant.
Selling from Kenya, in facts
- Who can sell
- Individuals and companies verification docs
- How you get paid
- To your own bank account in Kenya, by local bank transfer. supported countries
- Payout currency
- EUR or USD, to a EUR or USD account at your bank (a foreign currency account) payout docs
- Payout days
- The 1st and the 15th of each month payout docs
- First payout
- 14 days after each sale, from €50 or $50 payout docs
- Fee per card sale
- 4.5% + €0.50; international cards +1.5% pricing docs
- Payout fee
- 1% of the payout, at least €1 pricing docs
- Local transfer cost
- Very low: a local or SEPA transfer, passed through at cost and shown before you request a payout. supported countries
- Tax on your sales
- Charged, filed and paid by us as the seller tax docs
- Your income tax
- Yours to declare in Kenya. You get a statement and a self-billed invoice per payout. payout docs
From a sale to your account
Example: one month, ten sales of €100.
| Ten sales of €100 | €1,000.00 |
|---|---|
| AgentaOS fee: 4.5% + €0.50 per sale | −€50.00 |
| Payout fee: 1% | −€9.50 |
| Local or SEPA transfer | very low |
| Lands in your bank | about €940.50 |
Try your own numbers in the payout calculator →
International cards +1.5%. On Pro (€49 a month) every card sale is 4.0% + €0.40. EU buyers pay VAT on top, which we file.
Doing it yourself instead? Stripe with a company abroad costs about €6,000 in the first year at €2,000 a month, once you add the company, an accountant, tax filing and about 50 extra hours of your time. See the full comparison.
Who accepts sellers from Kenya
The usual names, checked one by one.
| Provider | Sellers in Kenya? | What their own page says |
|---|---|---|
| AgentaOSMerchant of Record | Yes | Individuals and companies. Paid out twice a month. Supported countries |
| StripeCard payments, you are the seller | Limited | Listed as "Extended network" on Stripe global page. Stripe’s page |
| PayPalWallet and card payments | Yes | Local PayPal site offers request money and business payments. PayPal’s page |
| PaddleMerchant of Record | Yes | Not on the Paddle unsupported countries list. Paddle’s page |
| Lemon SqueezyMerchant of Record | Yes | On the bank payout list. Lemon Squeezy’s page |
| PolarMerchant of Record | Yes | On the Stripe Connect Express payout list. Polar’s page |
| CreemMerchant of Record | Yes | Supported with local bank payouts. Creem’s page |
| Dodo PaymentsMerchant of Record | No | Not on the accepted countries list. Dodo Payments’s page |
| GumroadMerchant of Record | Yes | Bank payouts in KES. Gumroad’s page |
| WiseReceive money from clients | Limited | Can register and send, but cannot hold money. Wise’s page |
Checked on 6 October 2026 against each provider’s own country page. Providers change their lists; follow the source link before you decide.
Selling from Kenya: answers
Which merchant of record works in Kenya?
By their own country lists, checked 6 October 2026, Paddle, Lemon Squeezy, Polar, Creem, Gumroad and AgentaOS accept sellers in Kenya. Dodo Payments does not. They differ in how you get paid: compare the payout notes in the table above, where each row links to the provider’s own page.
Can I sell online from Kenya as an individual?
Yes. You can open an account as an individual or as a company. AgentaOS is the official seller of your product, so you do not need a company abroad.
How do I get paid in Kenya?
To your own bank account in Kenya, by local bank transfer. Payouts run on the 1st and the 15th of each month, in EUR or USD.
Do I need a EUR or USD account?
Yes. Payouts are paid in the same currency as your balance, EUR or USD, so you need a EUR or USD account at your bank (a foreign currency account). No currency conversion happens inside a payout.
Does PayPal work in Kenya?
Yes. Local PayPal site offers request money and business payments. PayPal.
Is Stripe available in Kenya?
Only in a limited form: Listed as "Extended network" on Stripe global page. Stripe’s country list.
Do I pay Kenyan tax on income from foreign clients?
Yes. A resident person must declare and pay tax on income derived from Kenya and, within the law, from outside Kenya. Resident individuals file an annual return by 30 June, taxed on a graduated scale.
Can a freelancer use Turnover Tax?
Turnover Tax is 1.5% of gross sales for residents with turnover above KES 1 million and up to KES 25 million. It does not apply to management, professional or training fees, so many service freelancers fall under normal income tax.
Can I hold a USD account in Kenya?
Yes. The Exchange Control Act was repealed, and Kenya residents may open foreign currency accounts and invoice in shillings or foreign currency. Banks keep documentation for transactions above the equivalent of USD 10,000.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from Kenya
€0 a month, no card. Individuals and companies. Your first payout on the next 1st or 15th after your sales clear.
Not sure what to charge? Free pricing review